It was a Sunday. My mum called me. Not in a panic, just curious. She had seen something on the news. Markets were down. She wanted to know if she should be worried about her savings.
Simple question. Should have been easy to answer.
I picked up my phone and tried to find her somewhere to look. Somewhere that would actually explain what was going on. Somewhere that would not make her feel stupid for not already knowing.
I could not find it.
Bloomberg wanted $24,000 a year. Yahoo Finance was a wall of tabs and ads written for people who already knew everything. Robinhood kept nudging her to start trading. CNBC had a headline that made it sound like the world was ending.
"None of these were built for my mum. And when I really thought about it, they were not built for most people."
So I just explained it to her over the phone. The market goes down sometimes. That does not mean your money is gone. Here is what is actually happening. She said thanks. She felt better. We hung up.
But I could not stop thinking about it. Because if I could not find somewhere decent to send her, what were millions of other people supposed to do?
The thing nobody says out loud
Finance apps were not built for normal people. They were built for traders. People who need real-time price feeds, options chains, technical indicators, the whole lot. And because those tools already existed, everyone else just got handed a version of them and told to figure it out.
It is not that finance is hard. It is that the tools make it feel hard. There is a big difference between those two things.
What I found when I looked properly
I spent a long time looking at every major finance platform before building anything. I wanted to understand exactly where they all go wrong. Here is what I found:
So I built two things
The first is Simple Market, a free app. Your watchlist, your portfolio, price alerts, and a Daily Brief every morning that tells you what moved and why it matters. In plain English. No sign-up needed. No paywall. No ads. Nothing to download from an app store. It just works on your phone like a proper app.
I tested it on the hardest user I know. My mum opened it, added a couple of things to her watchlist, read the Daily Brief. Then she said: Oh, this is actually simple.
That was the moment I knew it worked.
The second thing I built is this. Money Simplified. The newsletter. Because the app tells you what is happening in real time. The newsletter gives you the deeper context once a week. They work together.
What you will get every Friday
Here is what lands in your inbox every week
- One finance topic explained simply. No jargon, no assumptions about what you already know.
- What is moving in markets and why it actually matters to your money. Not to a trader in New York.
- One practical thing you can do this week. Never overwhelming, always actionable.
- A link to Simple Market so you can track everything we talk about in real time.
Who this is for
Honestly, it is for my mum. And everyone like her.
People who check the news and still feel confused. People who have savings and are not sure what to do with them. People who want to understand what is happening in the economy, not because they want to get rich quick, but because they want to make smarter decisions about their own lives.
It is not for traders. It is not for people who already know what a P/E ratio is. There are plenty of places for them.
This is for everyone else.
Every Friday. One email. One topic. Plain English.
No spam. No noise. No pretending that finance has to be complicated.
Just the stuff that actually matters, explained the way a friend who works in finance would explain it.
Welcome. Really glad you are here.
Money Simplified
🌐 moneysimplified.uk 📱 simplemarket.app
Get this every Friday, free
One topic. Plain English. No jargon. No spam.
Join readers who finally feel informed about their money.